# Payhammer vs QikPay

The clearest difference is review sentiment: QikPay at 100% against Payhammer's 50%. QikPay also leads on rating (5.0 vs 3.2) and update cadence (every 3 weeks vs every 6 months). Payhammer's advantage is iOS requirement (13.0 vs 16.4). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

QikPay holds the better App Store score, 5.0 against 3.2. Both are backed by a comparable volume of ratings — 5 and 5 respectively. Written reviews point the same way: 50% of Payhammer's written reviews are positive against 100% of QikPay's.

Payhammer ships an update every 6 months, QikPay every 3 weeks. The most recent releases landed on October 12, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Payhammer | QikPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (5 ratings)](https://appshunter.io/ios/app/payhammer/id6471499032/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/qikpay/id6752966867/reviews)** |
| Number of ratings | 5 | 5 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 60 MB | 44 MB |
| Requires iOS | **13.0** | 16.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Payhammer LLC](https://appshunter.io/developer/1715474530) | [QikPay](https://appshunter.io/developer/1842000894) |

## What reviewers say

### Payhammer

[App page](https://appshunter.io/ios/app/payhammer/id6471499032)

This app offers modern financial solutions for underserved communities and small businesses. It provides a personalized experience to help users achieve financial freedom with features like mobile check deposit and earned wage access.

**Highlights:** Inclusive financial access, Earned wage access (coming soon), Mobile check deposit (coming soon), Small business tools, Personalized financial experience

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### QikPay

[App page](https://appshunter.io/ios/app/qikpay/id6752966867)

This platform allows merchants to accept payments directly from customers without any transaction fees. It securely connects bank accounts via an open-banking partner, ensuring funds transfer directly with no hidden charges.

**Highlights:** Zero transaction fees for merchants, Direct bank account connections, Secure payment processing, No hidden charges, Supports small businesses and growing brands

**In-app purchases:** none


## Frequently asked questions

### Is Payhammer free?

Payhammer is free to download, with no in-app purchases.

### Is QikPay free?

QikPay is free to download, with no in-app purchases.

### Which has better reviews, Payhammer or QikPay?

QikPay is rated higher. Payhammer averages 3.2 out of 5 from 5 ratings, while QikPay averages 5.0 from 5 ratings.

### Do Payhammer or QikPay have ads?

Neither Payhammer nor QikPay shows ads.

### Which is updated more often, Payhammer or QikPay?

Payhammer ships an update every 6 months, and QikPay every 3 weeks. Most recently, Payhammer was updated on October 12, 2026 and QikPay on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*